Android Pay is finally here. Or, it will be very soon. Google just announced Pay's launch on the official Android blog, and while it's very similar to Wallet, there's been one key change: not all cards are universally supported anymore. That's right: just like Apple Pay, Google must explicitly work with your bank or credit card issuer to gain Android Pay compatibility.

Previously, Wallet worked with basically any card or bank because it utilized a virtual MasterCard account on the front-end of the NFC transaction, then charged your connected credit card or debit card on the back-end. The new version works directly with your bank or credit card issuer, but that means said bank or issuer must support Android Pay. Out of the box, Pay will support some of the biggest banks and credit card issuers in America. They are:

American Express

Bank of America

Discover

Navy Federal Credit Union

PNC

Regions Bank

USAA

US Bank

Citi and Wells Fargo will be added in "the next few days." Capital One is "coming soon." Otherwise, if you don't see your bank or card issuer on that list, they're not supported at launch. Google claims they will be working with banks and issuers constantly to add new cards, but they don't comment beyond that. Here's a sampling of retail partners:

Google's blog post goes on to say that Android Pay will soon power mobile checkout in various apps, and select merchants will get loyalty card and special offer support down the road. The Android Pay app will replace the current Wallet app in an update that, again, will roll out over the next few days. When we have it, we'll let you know.

It looks like existing users of Wallet will be able to continue tapping and paying with their non-supported cards. The following screenshot, extracted from the Android Pay activity in the recent release of Play Services 8.1, appears to show that non-supported cards in Wallet will continue to work with Android Pay via a virtual Bancorp card number assigned by Google.

It's not clear if new cards can be added to Pay which are unsupported, but we'll probably figure that out soon enough.

I wonder if they signed some kind of exclusivity deal with Apple since you always see Chase cards on the Apple Pay advertising

CrowdCTRL

Hmm...I set it up the other day using the Google Play Services/Activities trick and I was able to setup my Chase card with no problems. In fact is my default card.. I guess we'll see once they roll out the app

if your on the latest Google Play Services, you could run the activity that sets up android pay... I got the error message stating my cards werent supported but could be used with a virtual mastercard (like the current system)

Brian Menius

Do you have any more on this? I'm more than slightly miffed that Chase is excluded.

This actually makes a lot of sense if you don't think about the fact that it makes no fucking sense.

Sir_Brizz

It makes sense because Android Pay is using the same financial industry standard that Apple Pay uses. It's less useful in the short term but in the long term it will probably work out better. I don't think Google will be storing card numbers themselves anymore.

I'll join in also. I'm also with an otherwise good credit union who will probably take years to support Android Pay (if ever). I bet all of us credit union members are going to be screwed.

Shane Schatz

It's important to note that a large number of small banks and credit unions don't operate their own credit cards. Instead, they contract out to larger companies that operate the credit cards for dozens to hundreds of financial institutions. I work for one of those companies and can confirm that unless an FI specifically asks us to exclude them (and we did have some with the Apple Pay rollout) , they will all receive the service at the same time, regardless of how many accounts they have with us. When that time is, however, is not something I have access to.

James

I know I checked every credit union in my area and NONE support Apple Pay meaning Android Pay will take even longer =(

Bob Hart

The Navy Federal Credit Union card is listed as supported.

I entered my 3 supported cards but I get a message at the end after the Bankcorp statement on my Nexus 6

Discover
Navy Federal
AmEx

"Android Pay cannot be used

Google is unable to verify that your device
or the software running on it is Android

There is no reason to believe that Wallet balance is a supported payment method. In fact, given that it went entirely unmentioned, it almost definitely isn't.

UniBroW

So Amex is on the list, so assuming it doesn't pull the wallet balance (dumb but not surprising) I could get a pre-paid Amex to pull from my Google Wallet balance to pay with Android pay. Of course I'm speculating but that's dumb if true.

Does not not sound completely dumb? I think Google is pretty great but their implementation of things is beyond half assed sometimes

UKTK8

I think the reason why it used to work that way because banks never supported tap and pay. You had to load money onto your google wallet account in order to use this feature. It could never directly deduct funds from your checking account.

But since Banks are getting on board now, your phone basically serves as your Debit/Credit card. This means that when you use it at a terminal, it gets deducted directly from your checking account and can then track rewards etc.

motwera

Screw Google and their distain to Canada

Artem

I know right. Like, how hard is it to enable this in Canada. I know Canada is not a large market, but still..Pleaseeeeeee

I think our banking regulations make it more difficult than simply shipping an app. Not to mention most of the banks (the ones that matter) already have contactless-payment built into their apps so they have no incentive to share their transaction fees with Google (or Ugo or Apple - that's the only reason Apple Pay isn't available here yet). Some smaller banks and credit unions might get on-board with Google to avoid building all this themselves, but they're probably not your bank.

And having used my bank's wallet extensively when it initially came out I can honestly say that tapping my credit card is still much more convenient. And since tapping isn't universal you still need to carry your card for when the chip (or mag-stripe or imprint) is required so you might as well just use your card.

Lexster

Exactly. It's not a simple as just giving other countries access to new Google products. Every country has their own laws and regulations that Google has to wade through first.

Nathaniel V

Does this mean that category spend for rewards will be tracked properly ?

No, that's almost definitely not true. Also, why would your bank know? If they aren't on this list, I'm guessing they have no idea, unless they've already applied to support Pay in the future.

The fact that they're working with the 4 networks merely means those cards CAN be supported, not that every single Visa/Amex/MC/Disco card IS supported.

Ezra Byrd

Maybe the representative at my bank was lying, it's possible yeah, but I'm inclined to believe them. But the official blog says

"These cards are issued by many of the most popular US banks and credit unions, including American Express, Bank of America, Discover, Navy Federal Credit Union, PNC, Regions Bank, USAA, and U.S. Bank."

Not that it will be exclusively limited to those banks. I doubt they'd take the time to name every single bank in an announcement blog. Plus my bank supported Apple Pay within a few weeks of launch, I see no reason they wouldn't have Pay support, since the tech is basically identical.

We'll see, but I'm getting the impression based on some of their wording on their description page, that any cards you already have in the system will still work, but if you add a NEW card it will have to be from a supporting partner. So it's POSSIBLE they may grandfather in anything that was already in place (and hopefully upgrade it if supported), but require the bank's involvement when you add a new one.

Brian Menius

Hmm... so I need to go on a massive adding spree, err... right now for any cards I may want included? Wouldn't you know it, when Providian and all those others went tits up a half or so dozen years ago, Chase bought up all my cards.

Sorian

It still supports cards using American Express, Discover, Visa, and Mastercard.

Artem attempted to add a new Chase card to the Pay activity in the new Play Services and it straight-up refused to take it, said it was unsupported. I don't think this is the case.

It does look like legacy cards you already have in Wallet for tap to pay will be supported, but you'll have to use a virtual card meaning rewards / metadata won't be tracked properly on the actual card.

This is so Dam confusing!! : ( The Old wallet just pimp out any card you wanted to use .. Now Android is only supporting the 4 Major Banks! And more will be added in the future.. R.I.P Credit Unions support.

What if I add a grandfathered card that is not supported right now (thus using the Google virtual card number), but then support comes in a month? Will it automatically switch to native card or will I have to remove the card and add it back again?

Pet E. Bone

Same here. This is so dumb.

mikeym0p

If you're not a rooted user you're fine

SHunter

whats your bank?

Buckeyes1212

Does this mean CC rewards will now accrue when using Android Pay? It previously didn't with Google Wallet (at least it didn't when I last used it a few years ago).

I've been informed by others, and had moderate success myself, that they do these days. But yes, now they'd do so more reliably.

Good_Ole_Pinocchio

Sooo no Chase Bank? (yet)

Andrew Palmer

FU Google.

Regards,

Everyone outside the US.

makapav

Man up boy: Fuck You Google

This is why the boneheads fail to get subtle messages.

Cue: Hangouts and Google Voice 'teams'.

Lexster

You realize they have no control over what goes beyond the US, right? And it's not necessary Google's ultimate decision either. There are a loooooot of moving parts in international commerce. It's never as simple as saying "Okay, let's turn it on world-wide."

makapav

Cool story bro - Apple

Lexster

Point being? Apple releases a product after going through all that (Which, by the way is why it takes them so long to release things) whereas Google prefers getting a product out in the US more quickly and then pushing it to other countries.

makapav

So... you don't think Google doesn't take its own sweet time to bring out crap? Google Wallet was around for 4 years and yet this is the state of the mobile wallet effort from Google. A disgrace is a disgrace and it's typical of a lot of their launches. Google Music, Books, Movies, phone launches. Partnership is Google's Achilles' Heel.

Dan

Point being most people will get the Apple product years before they get the Google product.

SpcyChicken

Because fuck you vs FU totally makes you a man. Thats the one thing in this entire world that will make you a man, nothing else makes you a man, you just gotta make sure you spell out FUCK YOU

I'm not trolling...When the Wallet card was originally announced everyone assumed that it would work in the same way that the Wallet app does (did) and charge your selected card. Instead, it's just another card to carry around, which really isn't all that convenient, is it?

Kent

It's not really disingenuous to say it doesn't work at all when you want the card to do something it isn't intended to do.

It's called a joke. Operating under what I thought was a pretty fair assumption that one person ever has used their Google Wallet card. I really didn't think I was going to get berated for it...but I should have known considering the comments section around here, lately.

Well, you could load the Wallet Debit Card with any card, debit or credit. However, using that method had fees associated with it. Using your bank account on the other hand, had no fees associated with it. Haven't used it in a while because.. no job.

UKTK8

True, but you had to manually add money to your wallet account from your bank account. It didn't automatically deduct it from your checking like Android Pay will do. At least that's how I'm understanding it.

No. The Wallet app is going to turn into Android Pay, and non-supported cards will likely lose their functionality.

Roog

Yet, the Android Pay website says this, in its general setup instructions:

"If you already have a card in your Google account you can simply add it to Android Pay by confirming a few details, or you can add a new card from any participating bank - it’s as simple as snapping a picture."

Could the "few details" have to do with whether the bank/credit card company currently supports Android Pay...

Yes, I'm guessing one such detail is "do we support this card." Unless they plan on keeping legacy access for existing users to the virtual MC method, which would be weird.

motwera

Speaking of which, where is Google Services 8.1 for x86 devices???

TrueFarm

Apk please! :)

Marcus Allen

I have a MCU account... so that will never work

fixxxer7

Biggest question mark in the room....Will this be popular?

UKTK8

Yes. Hate to say it but it's because of Apple. Google has had this feature for awhile but spent 0 dollars advertising it. Apple comes along and all of a sudden it's a new technology and google is playing catch up.

Hurricane Andrew

Great, so I'm going to lose my current ability to tap and pay with my local community bank debit card until my bank jumps through some hoops, at some point in the future, if they even choose to spend the time, money, and personnel resources to do so. I sure wish there was a grace period where the old method would still work. Perhaps there is. Maybe AP can look into this a bit more?

I'm sure we'll find out how this will work vis-a-vis the transition for legacy Wallet users and their non-supported cards. Hard to say just yet.

Hurricane Andrew

I'll certainly give AP a shout out with my experience over the next few days as this rolls out. :)

Yield Way

Heard that Pay won't work on rooted or bootloader unlocked devices. Verge reported that Google said "it's not designed for rooted devices" which is different from "won't work on rooted devices". How true is this? Are there any known workarounds?

TechJunkie

I'm certain that any rooted devices are excluded regardless of how Google explains it or how it's interpreted. It's a security risk regardless. Workaround? Unroot your device.

Yield Way

I'm using Wallet now and I'm going to lose the ability to pay with my phone if I'm not unrooting and relocking the boot loader.

It's not only root, you can't have your boot loader unlocked as well both of which I'm wondering is worth the thing to undo for Android Pay.

TechJunkie

Your worth may vary. It really depends on where you shop and what part of the country you're in. If you're in large city, you may want to give it a try. I think for safety reasons, Google will not allow this to occur. You're risking leaving your data vulnerable if you're using the Wallet workaround.

yankeesusa

you can use a "hide root" app. It worked perfect for me.

Yield Way

Google should surely know a way to prevent that if they want? I will give it a try though.

There is not a "Nexus 5 2015" anywhere in this article. Why do people keep seeing this phone everywhere?

Mark

Ah, you sir are correct, that's a nexus 6 stock image in the pay image.

The fever is getting to me!

Nathan Bryant

It kind of annoys me that my bank is on the render of these phones but is said to be coming "in the next few days". I can wait, but why have it up there if it isn't official yet.

letsplaay

Cyanogenmod has still not fixed the NFC on Note 3, and this problem existed since CM11.

Denis94

When in Poland?

jonzey231

Seriously, no Chase?

MatthewPDX

Seriously, soon.

jonzey231

What's your source?

MatthewPDX

Intuition.

icwhatudidthere

Given I'm just now receiving the Google apps with updated branding, I expect to see this sometime in October.

Marius Oprisan

Getting bored of these overhyped Google services that are exclusive to USA and another couple of countries.

Chris

Don't feel too bad, I'm in the US and can't use this shit either.

Marius Oprisan

Not feeling bad. It's funny Google boasts some services that will never launch in other countries as major achievements for their new Android iteration.

AbbyZFresh

Don't be surprised. They don't put nearly as much effort into their other services if it doesn't relate to the search engine.

Leif Sikorski

As soon as it costs money or some effort (making deals with other companies) to launch something international they hide. It's a shame.

Lexster

Getting bored of people constantly complaining when Google products don't instantly go worldwide. (PSST: They never will, get over it. Takes time.)

Calvin

I guess Google didn't read the report that stated that Europe has the most NFC terminals, East-Europe and The Netherlands particularly.

Lexster

So what? You think they debut product in the US because they don't think other countries want them or can use them?

Calvin

Android Pay is way more useful in Europe (mainland Europe) than in the US, that´s what I am trying to say.

Roberto Virga

Maybe they read the report that stated that Europeans on average own at most two credit cards, some of which already have NFC, making these wallet apps cool but largely unnecessary.
They also are aware that each EU country has its own set of local banks, and since it seems that Android Pay now requires the support of the issuing bank for a card to work, maybe they decided it's too much work.

Calvin

True, but it would be ideal if I could leave my debit card (we don´t use credit cards in The Netherlands) home. You always have your phone with you, so you will always be able to pay. It happens to everyone that they forget their cards incidentally .

Roberto Virga

Why would I ever want to leave my debit card home? Beside cash, it's the most fail-proof payment method I have. What if my phone's battery dies? What if I need to use a POS that doesn't support NFC, but only good old Chip&PIN?

Marius Oprisan

If by instantly you mean the years that have passed since Wallet was released, you are correct.

Lexster

That's precisely what I mean. Very few Google products go outside the US to start with. That's just how it is.

Marius Oprisan

Then maybe they shouldn't load up their Nexus line with all the useless apps that us mortals outside US can't use ;)

Lexster

Yes because making two completely different lines of phones while you wait for the additional services to make it overseas makes much more sense.

Ryan Johnson

That's not at all what he was suggesting, he said just don't load the phone with apps that aren't usable outside of the US. Nothing about making different phones for each region.

Lexster

I see. So...Google should not put apps they've developed on their stock phone simply because it annoys non-US people because they can't use some of the products on it. Goooooot it. Yep, makes even more sense.

Ryan Johnson

Hey, I'm not the one who proposed it LoL

Bob Hart

Some blame goes to the EU and their continuous attempts at a money grab and extortion

The EU has targeted other American companies also for big money grabs through pressure and extortion

Leif Sikorski

That's why I'm more excited about Samsung Pay than Android Pay. We're kinda used to the fact that Google doesn't really care about their international users.
Sure, Samsung started with Korea and US Only too, but at least we know that they'll expand to the UK and Spain next and more countries following this year. Meanwhile Google didn't wrote a single word about other countries in their announcement. I wouldn't expect it before 2017 or 2018 here in Europe ... sad but true.

A lot.
See year 2011 when Wallet launched. Even back then pretty much every Jack in the Box has one, even in the drive thru. Even more places have it now.

UKTK8

Ok, but that's just one franchise. Before too long, you will be able to use your phone to Tap and Pay at every retailer. That's where this is all going with Apple Pay, Samsung Pay, and now Android Pay.

Google just never spent the time or money to invest in the infrastructure with banks and retailers.

Jared K

Yea, i was just using that as an example.
I know that's where its all going. Your response sounds like I said something that makes you think i don't believe this technology is going to take off.

UKTK8

My bad. There just weren't a lot of places to use NFC/Google wallet since it came out. I've been using it since it rolled out and only recently understand the difference between Android Pay and the New Google Wallet.

Jared K

Its doesn't make a difference to the retailers. NFC payments have existed before Wallet did. Credit cards (used to) have nfc chips inside of them. You don't see it much anymore because they were pretty vulnerable.

UKTK8

Yeah, I remember PNC tried it for a year or so. I could just tap my PNC debit card at McDonald's and be done with the transaction. Then the next card I received after that card expired was just a regular debit card.

AbbyZFresh

Just like all Google services, only a small handful of people will actually know about it.

Market Android Pay well if you want people to use it. Make the effort Google.

Chris R

Should've just stuck with Google Wallet. It has been working fine for me ever since the Galaxy Nexus days, but then all of a sudden Apple pay comes out and now "let's change the name, let's make it so your bank has to be supported, let's make it so you have to have 2 seperate apps now...". Google needs a better marketing department.

yankeesusa

You should read about it and see why their changing it. It makes complete sense.

pantagruel

"Google needs a better marketing department."

Google needs a marketing department. FTFY

IvanBotty

usa only .... :/

Chris

Is there an app or something I need to download? Not that I'll probably use this. Awkward as hell to pay with your phone. I've tried many times.

Jeremy Martin

This is a step backwards

yankeesusa

It actually isn't. Now their will be better communication between banks and merchants with possibility of loyalty discounts in the future plus more options for developers to integrate into their apps. Not to mention it's just as secure. It's just moving along with the times.

Jeremy Martin

As opposed to what already works perfectly with every card out there? Now we will be at the will of banks and credit unions wanting to participate in something most will not care about.

The little banks and credit unions wont be rushing to join this. Right now with the current Google Wallet setup they dont have to.

I still think this is a step backwards or at the very least 100% beneficial for large banks only.

yankeesusa

When you put it that way, then i completely agree. It will take a while for banks to start signing up. I have a feeling that nfc payments will not go to far unless things change fast. Google needs to market this like crazy, maybe even join apple in promoting it as it benefits both.

Alexandru V.

I activated my Capital One Visa card over the weekend, used it yesterday and it worked. On google wallet and the actual receipt it shows that it was transferred thru a mastercard to hide my visa #s. Will this change now with the update and not work anymore??

This is really sad. I understand that this is the way to go in the long run but it just feels like a stab in the back to people who have been using google wallet for the 4ish years that it's been around with all cards working just fine. My debit card is with capital one 360, I'm hoping that that is included with the "coming soon" for capital one. I'll be really pissed off if my debit card is no longer allowed to work, I don't use credit cards at all (for the time being) because I'm in the process of wiping out all of my stupid consumer debt. So if this is credit card only it will be useless to me. So sad.

B.Cook

Maybe you can load up the Google Wallet Debit Card and use that until your regular card is supported?

Patrick Farragher

well am I going to be able to use the google wallet card with NFC in android pay? If not then that just kind of defeats the purpose. I want to be able to use my phone to pay for things like I can right now with my checking account.

Slim Boner

My local bank JUST got support for Apple Pay I don't even wanna know how long it will take them to support Android Pay at least a year at the earliest.

Nothing but complaints. Hilarious. Just do a little research on why their changing it, how it's going to work, why it's going to be better in the long run and the reason it's currently not being marketed is because it hasn't been released yet. Hopefully soon we'll see commercials, if not then yes, then you can complain. Life is too short to complain about everything that a company does or doesn't do. That's just my thought though.

It's clear why they're doing this. What isn't clear is how many issuers or banks will care enough to even try to support it, and what will happen to existing Wallet users with non-supported cards. Google talks a big game, but when it comes to anything requiring "industry" support, you need a lot more than talk.

yankeesusa

Very true. Now the question is, once they go live, will they advertise it and promote it. Otherwise it will be dead in the water, again.

Manu Krishnan

Exactly, all this for nothing
Google sucks at marketing stuff !!

UKTK8

Banks and issuers will support this because of one reason. Apple. Plain and simple. Google has had this tech for years with the old google wallet but they spent very little time or money advertising it.

Now that Apple is in the game it will only become more popular over time. I've been waiting to pay with your cellphone for years and was disappointed that Google didn't advertise more. Now that Apple IS doing it, it seems like they are playing catch up and having to rebrand everything.

AbbyZFresh

Apple had to do a lot of negotiation with the banks as well as give them some form of royalties out of the deal.

Google Wallet failed because the banks wanted royalties in the form of fees or data. Google refused to give either and that's why banks didn't advertise it.

UKTK8

Makes sense. And that's a huge FAIL on Google's part. Someone there should of had the foresight to know that this is where it was eventually going with NFC.

Now it's just one big mess with re-branding and it seems like they are just riding on the coat tails of Apple.

Nick V

I don't think enough people get fired at Google. You want to be better??? Set some examples!

UKTK8

Amen. Google needs to learn the difference between being proactive rather than reactivate! The name only gets you in the door. The product needs to deliver!

andy_o

Apple isn't paying, Apple is getting paid.

mrjayviper

.xxx% for each transaction because it supposedly will lessen chargebacks as it's more secure (i.e. tokenization) that what's available right now

jrod3737

#chase?

AbbyZFresh

Chase is already on the partnership list if you look on Google's Android blog.

What if I already have my Chase card in the existing Google Wallet app? Is there a grandfathered clause? That would be nice. I'm super impatient LOL :)

tim242

I have 2 Chase cards in my Wallet now. I guess we shall see together.

Jerry Huster

Ahhh the suspense!!!

BoFiS

So it works with fewer cards AND requires two apps to do slightly less than the single Wallet app has been doing for years?! Well guess I'm not updating until it'll support my Citi MasterCard >:o Also, does this mean that when you tap, the retailer gets your CC number, or is it still masked by a virtual number like before??

Download the New Wallet app and your balance will be carried over. This will be used to request or send money to other wallet users. You can then continue to make purchases with your physical google wallet card like always.

Oh haha, it doesn't show up for me lol. Oh well. Never been recognized before when I help on techy sites. Thanks buddy. I'll let you get back to your day job now while I get back to mine haha.

Chris

One thing i loved about Google Wallet was how much more secure it seemed. Not giving the merchant my actual credit card number is great, in case of another Target breach or anything similar. Am I wrong here, or is this new solution less secure than before?

Nate

It does tokenization. It never gives your credit card to the merchant. Same as using a chip and pin.

Chris

Thanks. Is that how Apple Pay works also?

Nate

Yep.

andy_o

With EMV payments the transaction is tokenized. I don't think the terminals even got the virtual Wallet number before, that was just a workaround on Google's end to make all cards work without arranging with the banks, not really for security.

The support is terrible. Even trying to contacting them and sending is a fail. Not enough Q&A. For existing Android Wallet users there is zero help.

Lexster

So......they scrapped Google Wallet in favor of a system that works /less/. Nice...

Scott Harris

Doesn't work with Chase credit cards, is this a joke?

cr08

Chase always seems to be behind which is frustrating both having a CC and checking account with them it's hard to move. Between of this and the lack of proper 2FA that I can use a hardware fob or Google Auth/Authy, I'm just sitting here impatiently waiting for them to get with the times. As a big bank you'd think they'd be better at this.

blindexecutioner

Yeah, or Citi... I see they are apparently adding it in the next few days but man...Not having it supported when the hype train is in town is a bad deal. I may not care in the next few days.

Shawn Roth

I hate it when they "roll out" apps over the coming days. I understand OS updates..but an app? Just give it to me already....

Hurricane Andrew

Thanks for the update, David!

surethom

Just America once again. I'm fed up of waiting 6 to 12 months after America, come on Google launch in uk much sooner

Can you add your card to Google Wallet website and use it through Android Pay (Google will of course mask it with a virtual Bancorp MasterCard just like they used to do before)?

andhisnameisjohncena

I've had android pay for over a month and the story is correct, none of my current debit cards work with it. Before I tested it, Wallet NFC transactions worked fine, but once I transferred to Android Pay, Wallet just became a peer to peer money transfer system. None of the cards I used with Wallet was supported.

(I can't give up the apk because your google account needs to be white listed to use it otherwise you get an error message)

SpcyChicken

Was gonna add android pay to my moms phone to make life a little easier, seeing as her card is not supported i guess were going the samsung route where it is supported. Samsung doing something better than google? hmmm.

So am I to understand that every single individual credit union has to approve and support this?

yankeesusa

Yep, now that I think about it this is going to take a while and some banks won't even bother.

Ty

I'm guessing Samsung Pay will be/is the same way. This feature is part of the reason I chose the S6 but it sounds like I wont be using that anytime soon either since I bank through a CU.

yankeesusa

Very true. But maybe samsung will move faster on it. Either way it could take a while unless they are work together to get banks on board. By the way, samsung pay is in beta right now and many people are being accepted.

Ty

I actually was accepted but decided to wait. I am rooted via ping pong but decided to wait to unroot and update my phone to get the feature because I wanted to be sure everything worked correctly. I didn't want to give up root features just to find that Sam Pay doesn't work well.

yankeesusa

I can understand that. My friend isn't rooted and he's used it and he said it works really well. So far it has worked everywhere he has tried, including walmart. I guess we'll see how many more banks and cards they'll add later on.

Sean O’Connor

I'm still really unclear on what great features Android Pay is getting the actual end user vs Google Wallet. I have been using Wallet since launch and have had no complaints.

blackice85

Well that sucks, might be a while before Schwab supports this.

Kurt Schultz

Does anyone know how to remove the NFC indicator icon from the status bar on a Galaxy S6? It's going to drive my crazy now that I'm going to leave NFC on all of the time.

tim242

Not unless you are rooted. I put NFC in my quick toggles. I just turn it on when I need to use it.

Kurt Schultz

Ugh. I hope someone finds a way to do it without root. I have an app to disable the captive button lights so there is hope for a simple icon removal.

tim242

Capacitive button lights is an actual setting in the phone, it is just hidden on some variants. That app just finds the hidden setting. There is no setting to remove the status icons.

Is there an APK update, or is this just a server-side switch if you have the right version of everything?

UKTK8

The old Google wallet app will be updated to Android Pay. There is a new Google wallet app on the play store now as well.

You also need Google play services v8.1 I believe.

Kurt Schultz

I'm assuming I won't get this update anytime soon as my Google Play Services seems to be stuck at 7.8.99. How do I manually update to 8.1 or whatever the newest was? I don't see any recent versions on APKmirror for a build ending with 440, Galaxy S6.

Nogib

There was a numbering change. What you'll eventually want is the 240. I manually installed the 248.

blackice85

Yep, was about to say, unless he's on Marshmallow you don't want 4xx.

Kurt Schultz

Thanks!

mikeym0p

Root users are now blocked out of Pay and Wallet. I'm not even rooted, just on a custom rom....

What if Snarf your card is issued by BanCorp Bank like my PayPal Business Debit, snarf... I assume that it is supported since they are using BanCorp for the unsupported cards... Snarf..

macguy59

I just read that if you already had a card in Wallet, it will work with Android Pay (regardless if it is on that list or not). Apparently Google uses a dummy Bancorp card to make the transaction work *shrugs*. I already had my Chase card in Wallet so hopefully that works out to be true

I was able to add new non-supported cards. As for people complaining that Google is changing things up, there are three reasons for this: Google knocked out their competitor Softcard and acquired them, US finance law is necessitating new hardware for merchants which should also finally have NFC, and of course Apple is knocking at the door with their NFC payment solution. All of this requires a "new" product that can appeal to the masses, not an "old" product that failed to take hold with the masses.

You can't roll back, uninstall and letting play upgrade leaves you with tap and pay disabled.

If you want to play do a full backup.

I see just one of my cards supported tried to add says not supported.

Avoid.

Wait for official update.

me me

Yesterday: Wells Fargo "coming soon".
Today: it worked. It contacts Wells and asks to send verification to your Wells registered phone/email so make sure they are correct, then verify then its added to Android Pay.

I've managed to add Amex today.

Chase, and my REI Credicard from USA Bank aren't supported, but I'd added the Chase back in Wallet so it grandfathered across.

Yet to try this again, tried yesterday phone locked up and didn't work.

Michael Lavi

Heads up, I was able to add my Citibank credit card today!

Steven Osorio

Still no Citibank support as of 10 am, 9/17/15.

Beeker

After upgrading, I was able to load my debit card (using virtual number) however, I can't get Chase credit card loaded it is unsupported. Reading elsewhere, Chase is among those eventually supporting it. Just going to have to wait.

dongxuan zhang

Oh,What time it can be used in China?

blindexecutioner

I used Google Wallet yesterday with my Citi card. Today Android Pay updated on my phone. Here are all the steps I had to go through to get it to work.

1. Temporarily unroot by unchecking the "enable superuser" in the SU app
2. Change the dpi in my build.prop back to stock and reboot
3. Add my card in Android Pay.

That all worked. When I went to actually pay it said I couldn't use my Visa right now. At this point I am not sure if it is Citi we are waiting on or if it is a Goole bug. When I search Citi card and Android Pay it looks like it is supported and after I added my Citi card I got an email from Citi about how to use it and the terms so it looks like Citi cards should be supported now.

Google needs to learn when a service comes out that replaces a different service then that new service needs to be as good or better otherwise people aren't going to use it. Android Pay is not better than the old Google Wallet. People who could tap and pay for years are no longer able to once this update hits.

Yet another miss on a Google app.

Rocker

Looks like we will have to do the begging so the banks will support it